Snapshot

Progressive offers a discount program called Snapshot where they electronically monitor your driving “to get away from the law of large numbers and focus on how you personally drive” (says my agent).

Here’s the deal. First, Progressive monitors three aspects of your driving:

  1. When do you drive? Midnight to 4 am are “high risk” hours. On weekdays, “medium risk” times are 4 am to 9 am, 3 pm to 6 pm, and 9 pm to midnight. On weekends it’s just 4 am to 6 am and 9 pm to midnight. All other times are “low risk”.
  2. How far do you drive? Averaging less than 30 miles per day (over a one week period) is good.
  3. How hard do you brake? Decelerating at 7 mph per second or faster is bad.

That last one is the hardest to intuit, since we don’t have deceleration gauges in our cars. Twice this week I’ve braked suddenly to avoid hazards (e.g., the guy who merged into my lane while I was still in it), and neither registered as a “hard brake”. Two others that didn’t feel sudden to me at the time did register.

Progressive is aware, of course, that sometimes stopping short is the safest maneuver. As my agent put it, “As your insurance company, we’d rather you brake hard than make us buy you a new car.” But doing it too often suggests you’re following too close: you should have time to decelerate gracefully even when the car in front of you stops.

Snapshot Speed Graph

Snapshot Speed Graph

The website shows a detailed graph of your speed during each “trip” (each time the ignition was started and then stopped). Knowing the route, it’s easy to figure out what happened when. Here, I left our neighborhood for the 60 mph highway, stopped at a red light in the middle, decelerated to turn onto a 45 mph road, et cetera. I can even see where I stopped at a light, inched into the intersection when it turned green, and then made my left turn.

But presumably you wouldn’t have deduced my route from my speed alone, and neither can Progressive. The tracking device does not have GPS installed.

(This doesn’t make it any less creepy that I can tell every time my wife stops for a Starbucks from the telltale “mostly stopped with occasional momentary 3 mph spikes” graph and the extra mileage.)

Progressive offers an initial discount after collecting data for 30 days, then a final discount after six to twelve months. “Final” means Progressive offers an initial discount after collecting data for 30 days, and then a final discount after six to twelve months. That final discount is permanent — you keep it as long as you’re insured with Progressive. When they first offered the program bad drivers could suffer a 5% increase, but they phased that out. Now the worst penalty is “no discount” and the best is 30% off.

A couple more facts that may be useful:

  • New trips appear on the website within a few hours.
  • The speed graph is a fixed size, so longer trips just get crammed into the same space, and a lot of the detail is lost. For trips of about five miles, it’s about the right size.
  • The speed graph doesn’t specifically indicate where your “hard brakes” are. You can sometimes tell visually, but it’s guesswork.

On Cruising: The Crew

For our honeymoon we cruised on Carnival Imagination for four days to Cozumel. This is part of a series of anecdotes on the experience.

On our last day aboard, Carnival offered a “Behind the Fun” tour visiting all the crew-only areas of the ship to show how the magic is made. I couldn’t resist! The answer: it’s made through a lot of hard work.

We visited the galley, where a bar of baking chocolate as large as a desk literally and figuratively dwarfed everything else in the room. I ate some of it in the form of cake at the all-you-can-eat chocolate buffet later that day.

We visited the laundry room, where workers fed sheets into giant machines to be folded and ironed, in an endless progression. We tourists got to try our hand at the towel folding machine. As we giggled with goofy delight at seeing an unfolded towel enter, and then drop seconds later into a neatly folded pile, the crewmen’s eyes seemed to say, “You realize we get paid to do this all day, right?”

We visited the bridge, where one officer must always be looking out to sea, while others supervise an array of modern cartographic technology.

We visited the engine control room, where one whole wall schematically depicts the flow of electricity to various ship systems, with an enormous console filled with gauges and buttons and levers stood ready to run the entire ship if needed.

But surprisingly, the visit that’s stuck with me most was the ship’s stores: giant freezers stocked with meat, poultry, and seafood; a refrigerator the size of a large bedroom full of liquor and other beverages; and workrooms to prepare food for the galley. (For whatever reason, chopping vegetables and meats isn’t charged to the galley staff, but to the provisioning department.)

On opposite sides of the ship mirror freezers, thawing refrigerators, and prep tables process separately the poultry and meat headed up to the galley. Carnival has one supervisor for meat and another for poultry to ensure that no one person ever handles both.

In one room, a pair of crewmen cut fruits and vegetables, with boxes of carrots and cantaloupes piled around them and a work counter covered in bowls of freshly chopped ingredients.

And in one room — in the most staggering room — were potatoes. Boxes of potatoes piled high along every wall, with a diminutive machine in one corner to peel them, and a small work table in the center. They called the worker there Potato Man, and his only job is to cut potatoes.

Like all crewmen we met, he works ten hour shifts. Like all crewmen we met, he works seven days a week. And like all crewmen we met, he has a six month contract, and then two months off before the next contract.

So for ten hours a day, seven days a week, six months at a time, he cuts potatoes. He does not trade jobs, since Potato Man is his assigned position. He does not get to try his hand at chopping the occasional cucumber or celery stalk. He just stands at his post, reducing potatoes to edible sizes.

And when his boss introduced him to us as Potato Man, an unmistakably authentic grin spread across his face, and he gave us an enthusiastic thumbs up. He is the Potato Man on that ship, and he knows it.

Most of the crewmen we met had been working those long hours and weeks for decades with the company. And we tourists were there to get respite from a few months of grueling nine-to-five computer work.

They served hash browns at breakfast the next morning, and oh were they delicious.

On Cruising: The Confinement

For our honeymoon we cruised on Carnival Imagination for four days to Cozumel. This is part of a series of anecdotes on the experience.

We’re told cruising isn’t for everyone. Some people love it, while others vow never to return. We assume this family falls in the latter group, based on what we overheard from their table on our last day aboard — a “Fun Day at Sea” while we sailed back to Miami:

Mother: Today we have to stay on the ship all day.
Daughter (age 5): Why can’t we stop somewhere?
Mother: We have to get back to Miami on time.

Daughter: But why are we on the boat?
Mother: Because we have to be here for grandma and grandpa’s anniversary.

Oh, the noble sacrifice you’ve made for their happiness! Perhaps they took some consolation in the all-chocolate feast laid out just a few hours later. Nobody can be too miserable when they’ve got ten different pieces of cake in front of them.

On Cruising: The Destination

For our honeymoon we cruised on Carnival Imagination for four days to Cozumel. This is part of a series of anecdotes on the experience.

Our ship stopped first in Key West, but we stayed aboard and enjoyed massages at the spa and other onboard luxuries. When we got to Cozumel, though, we raced to disembark as fast as we could say, “One giant bottle of water, please.”

Even walking down the deepwater pier toward the port at San Miguel, we marveled at being on foreign soil for the first time — discounting a visit to Montreal as “barely foreign at all”. Our eyes picked out every detail identifying this new place and making it distinct from our home. And what were the first signs we were able to read? Starbucks! Burger King! Welcome to Mexico.

Just beyond the pier is a small shopping district (“Cozumel’s only shopping mall”) catering blatantly to the cruise ship crowd. One or two men — exclusively men — stand outside each store beckoning passers-by to sample their wares. “Maps of the ruins! Rent a scooter to see the ruins!” were popular enticements. And my favorite was when we were caught leaving one store and skipping the next: “It’s my turn now! I have something different for you!”

A few stalls christened themselves “The Dollar Store” and tagged all their merchandise with hand-written $1 USD stickers. More legitimate businesses quoted prices in pesos, but every business on the island accepted pesos and dollars interchangeably.

If a stall wasn’t “The Dollar Store” it likely had no prices at all, making everything negotiable. When we saw one man selling woven name bracelets and spotted a “Sophie” in the mix, we asked for a price. $12. And a moment later: $10. And when we put it back down, $8.

And when we walked away and saw nine more men selling the same bracelets? $4. Welcome home, Sophie! We got you a bracelet in Mexico!

At the appointed hour we lined up for our tour of the Mayan ruins with our guide Mimi, and our group marched back through the shopping mall to our bus. The place was transformed. The pairs of men still sat on stools beside their shops, but nobody made a move or uttered a word. They know that nobody can entice even the weak away from a tour group.

The Mayan ruins at San Gervasio offered a chance to see and touch and explore history in a way no textbook photography or classroom filmstrip could ever emulate. Some of the forgotten history has been hilariously substituted with wild speculation (“we don’t know what this was, so it was probably ceremonial”); but when you see a rocky road stretching off toward the distant ocean, met at the town’s entrance by a great stone arch, its purpose is hard to misconstrue.

With the sense of ancient history comes also a sense of a truly different place. Rain forest surrounds the ruins on all sides, and more than a few iguanas lounged beside the path as we passed by (some eyeing the tourists with familiar indifference; others fleeing at the sight of us). Even on a cloudy day, the temperature was easily 90°, and only a potent insect repellant (evidently not available in the United States) kept the mosquitos from eating us alive.

Follow that historical adventure with an hour to read on the beach, sipping a “Coca-Cola Light”, and dipping our feet into the impossibly blue water of the Caribbean ocean, and we’ve got ourselves a vacation.

On Cruising: The Budget

For our honeymoon we cruised on Carnival Imagination for four days to Cozumel. This is part of a series of anecdotes on the experience.

The basic appeal of a cruise is that it’s an all-inclusive getaway. With your ticket you get round-trip transportation to one or more vacation destinations, lodging, meals, and a variety of entertainment. Just choose a sail date and a ship and your entire vacation is planned.

The reality is that quite a lot isn’t included. Alcohol is clearly the biggest seller on board, running $7 to $10 for most drinks and available everywhere. Soda, espresso, and other beverages are also upsells — only tap water, coffee, lemonade, and iced tea are included. And with a 15% gratuity added automatically to every purchase, ubiquitous waiters are effectively working on commission to sell those drinks.

Not thirsty? Buy a commemorative picture of your vacation taken in the dining room, on the pier, or in front of staged sets and backdrops throughout the ship. A 5×7″ print costs $10 with a variety of framing options and photo albums available. Or order a heart-shaped “Happy Honeymoon” cake, visit the on-board shops to buy gold chains by the inch, book a shore excursion, schedule a massage at the spa, or play some Blackjack at the casino.

We never felt pressured to make any purchases, but the opportunity was omnipresent. We had budgeted some extra expenses and we went through about $40 just in coffees, sodas, and bottled water to drink in Mexico. Other guests, though, seemed to have sticker shock upon seeing their final bill on debarkation day. On a cashless ship where room keys serve as charge cards, it must be easy to get carried away.

This all sounds much more unpleasant than it really is. Most of the ship’s amenities really are included. When we wanted to see a Broadway-style show in the Dynasty Lounge, we just walked in and found a place to sit. We watched two comedians at the comedy club, attended an art auction and a dance performance, and walked in and out of the restaurants about a hundred times. We played several rounds of miniature golf, relaxed in hot tubs, and read books in deck chairs overlooking the ocean. We took a salsa dance lesson and lost spectacularly at a dozen different trivia games.

The real basic appeal of cruising turns out to be that there’s no set agenda, nowhere to be, and nothing important to get done. We didn’t forfeit tickets or give up our seats if we chose to relax by the pool instead of attending a show, and that simple idea is the essential ingredient for a relaxing vacation.

On Cruising: The Passengers

Let’s break the pre-wedding hiatus on blogging with a series of post-wedding anecdotes on life aboard our honeymoon cruise ship: The Carnival Imagination.

Our first morning aboard the ship we awoke to the breakfast buffet: a sprawling multi-room affair with everything from apples to fried zucchini arrayed across seven separate buffet lines. Passengers happily piled eggs, waffles, sausages, and pastries onto plates to then eat in poolside lounge chairs, at tables overlooking the ocean, or in the air conditioned dining room.

While we waited in a line of six or seven people at the omelette station, another passenger came up behind us. After waiting a minute or so he erupted angrily, “This is ridiculous. There should be two people working here!” And he stormed off.

Yes. You’re standing atop a floating city in the middle of an ocean with a smorgasbord of breakfast foods free for the taking in a poolside buffet under the Caribbean sun, and what’s ridiculous is that you have to wait a minute for your custom-made omelette. As a friend recently remarked: this really is a first-world problem.

Cruise ships are the standard bearer for American gluttony: fat tourists squandering a fortune on drinks, food, and fuel romping about the ocean for sport. Fortunately, only one or two people seemed to fit the stereotype on our ship. When “Formal Night” came, we saw two thousand people walking the deck in ball gowns, suits, and in one case even a tuxedo. We may be gluttonous slobs, but we sure cleaned up nice when we wanted to.

School Pictures

The economics of school portraits are entirely nonsensical.

When I was a student I’d bring home a sample portrait (stamped “SAMPLE” to ruin its usability) and an order form for procuring prints in various sizes. Now what comes home is a complete portrait package with five sheets of fully finished prints. Parents send back any they don’t want along with payment for the ones they’ve kept and an order form for any more they still need.

So parents already have the product in hand and are just paying to keep it. And since there’s no resale value for a specific child’s prints, parents are really paying to not destroy the prints they already have.

Most of the apparent illogic here is surely the result of phenomenal economies of scale. Once the photographer is on site and has setup all his equipment, taking one more child’s picture adds almost no expense. Once the expensive photo printers are up and running, printing five more sheets is similarly inexpensive. The possibility that having all those pictures of their children in hand will incentivize some parents to pay justifies the small up-front expense.

What’s less easy to explain is this: I own a scanner. So when a beautiful, glossy 8×10 photograph comes home in my daughter’s backpack, I am not motivated to pay for it. I’m motivated to scan it in high resolution, and then return it for free.

That would probably violate either an implicit contract with the photographer or copyright law, but the very nature of the product makes its duplication impossible to police. I’m never going to be caught selling illegal copies of my daughter’s school picture on eBay, for example. Virtually the entire worldwide market for this particular item lives in my house.

Is this business model founded on trust in parents not to just make copies? Or on an assumption nobody’s smart enough to try it? Or are there just so many new parents buying prints now that losing a few to scanning technology is justifiable?

Whatever the reason, I’m not sure I want to discourage the practice. It looks like I may be able to get twelve years of free portraits out of it.

The Myth of Pay as You Go

I’ve found myself with little need for a cell phone now that I’m working from home — I just use it for occasional solo errand runs and as security against freak roadside emergencies. So I’ve switched to Boost Mobile’s “pay as you go” plan.

The plan is designed for this situation. There’s no monthly fee or contract; I just bought the phone outright (paying all of $30 for a basic “makes calls, sends texts” phone) and I pay 10¢ a minute any time I make or take a call.

Here’s what’s not in their marketing: credit on your account expires in just 90 days. The actual policy reads:

Note: You must add money to your account at least once every 90 days.If not, any unused credits in your Boost™ Prepaid Account Balance will expire and your account will go to zero, but don’t worry because your account will be automatically recharged with Auto Re-Boost.

“Don’t worry” — it’s okay that we’ll throw away your money if you haven’t paid us in a while, ’cause then we’ll immediately come take more money automatically! Since the smallest automated payment they’ll take is $15, that’s a guaranteed minimum expense of $5 / month, even if the phone was turned off the entire time.

That’s called a monthly fee. Let’s not kid ourselves.

Yes, I could turn off “Auto Re-Boost” (their automatic payment plan), but that doesn’t stop credit from expiring; it only stops it getting replenished automatically. I’d still have to pay them every three months, but with the added risk that I might forget and render my phone unusable. On the other hand, manual payments can go as low as $10, making the monthly cost a lower $3.33.

I’ve had the phone for three weeks now, and in that time I’ve rung up $1.90 in calls, with 90¢ of that on initial setup (e.g., validating Google Voice and trying to disable voicemail).

(For the record, the “pay as you go” plan does not support conditional call forwarding, but you can disable voicemail entirely. You just have to call Boost until you get someone who knows what you’re talking about.)

It’s a lot better than $50 / month, but we’ve got a long way to go before this is quite the service it’s made out to be.

Like Falling Off a Bike

My first attempt at teaching Sophie to ride a bike was made without any prior planning. It did not go well. Even well-armored with a helmet, elbow pads, knee pads, and wrist guards, riding a bike just isn’t fun after you’ve fallen enough times.

Learning to ride is really all about learning to balance, and unfortunately the most intuitive ways to teach bike riding do absolutely nothing to teach balance.

One common approach is to run alongside the child, helping to steer with the handlebars or with the back of the seat. This means the child can ride for quite a distance successfully, but only because it’s the parent who’s doing all the balancing work. The child learns nothing important.

The opposite approach is to give a push start and then let the child fend for herself. This means she alone is responsible for staying upright — but since won’t be able to at first, she’ll likely fall so quickly that it will be hard to learn anything from the experience.

We tried both these techniques with Sophie for a couple days without really getting anywhere.

Since the new rider has to learn to balance independently, touching her or the bike is completely off-limits. But since the cost of crashing is too high (with too little time to learn and the potential for injury), letting her ride unaccompanied is also not appropriate.

The solution: run along behind the bike with outstretched arms, forming a rigid frame — rather like rollbars. As long as Sophie was riding upright, I wouldn’t be touching her and she’d be balancing herself. But when she did start to tip to either side, she’d be leaning into my arm. I wouldn’t push her back up — she had to learn how to do that with her own body weight and the bike’s handlebars — but at least she wouldn’t fall to the ground. In fact, she could continue riding even while tipped impossibly far to the side, trying the whole time to figure out how to correct her balance.

And she did. After just 30 minutes of practicing with this technique, she was riding independently. That was last summer, and now that we have nice weather again she’s back outside riding like a pro. The only difficulty she has anymore is that we’ll ride so far at once (we’re up to about a mile now) her legs get tired and she has to take a break.

The only penalty for me was getting a good workout — which I probably needed anyway. This approach requires running behind a moving bike (at about six or seven miles per hour) while hunched over and often supporting the entire weight of a five year old and her bicycle.

This whole idea came from the advice of Sheldon Brown from Harris Cyclery in Newton, Massachusetts (apparently located just 15 minutes from my old apartment in Boston) on teaching kids to ride. Besides offering basic tips on building balance, the page also discusses some novel teaching techniques that would have been our next step if Sophie hadn’t learned so quickly.

The Dollar Store

Overheard at the Dollar Tree:

Employee: (to manager) I’m going to need some ones.

Really? That isn’t the sort of problem that’ll just sort itself out if you let a couple more people checkout? Ya know… ’cause it’s the dollar store?